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Home Equity

Effective March 1, 2015 — June 30, 2015
Payment calculation is based on lowest rate.
**Rates are subject to change**

Term Daily Periodic Rate Annual Percentage Rate
Up to 5 years $10,000 min
0.010822 % - 0.014110 % 3.95% - 5.15%
60 monthly payments of $17.93 per $1,000 borrowed.
Up to 10 years $10,000 min
0.011753 % - 0.014630 %
4.29% - 5.34%
120 monthly payments of $9.89 per $1,000 borrowed.
Up to 15 years  $25,000 min
0.013671 % - 0.016411 %
4.99% - 5.99%
180 monthly payments of $7.40 per $1,000 borrowed.
Up to 20 years $25,000 min
0.016301% - 0.018219 %
5.95% - 6.65%
240 monthly payments of $6.33 per $1,000 borrowed.

To apply for a Home Equity or Home Improvement Loan fill out the application and return it to us along with the following:

  • 12 day notice
  • Mortgage Fraud Warning
  • Written verification of all household income. If self employed, we need last 2 years tax returns.
  • A tax statement
  • Your deed of trust
  • Your Homeowners Insurance Policy
  • Your Mortgage Balance
  • For Home Improvement we will also need a contractor's bid.
  • Minimum of $5000.00 must be borrowed to refinance current loans.
  • When the new loan amount is $100,000.  or more and the total Loan to Value Ratio of the property is more than 65%, GTFCU will require a certified appraisal  to determine the value of the property.

Home Calculators

How much home can I afford?

Comparing mortgages (i.e. 15, 20, 30 year).

Mortgage Payment Calculator

Should I make extra payments on my mortgage?

How much of a down payment should I make on my new home?